Capital Gain Investment Group

05/12/2025

27/11/2025

All the more reason to be working with an experienced broker

🚨 Heads up, future and current homeowners! 🚨
Australia's banking regulator, APRA, has announced a new measure to ensure the stability of the housing market. They are introducing a limit on the number of high Debt-to-Income (DTI) loans that banks can issue.

What does this mean for you❓
Starting February 1, 2026, lenders will be limited to approving only 20% of their new mortgages to borrowers with a DTI of six times their income or more.

In simple terms, here is what a DTI of 6x means:
Example: If you and your partner earn a combined income of $150,000 per year, a DTI of 6 means your total debt (including the new home loan and any existing loans) must generally stay below $900,000 (6 x $150,000). Loans exceeding this threshold are now being capped by APRA.

This means lenders are being asked to focus more on ensuring borrowers are not taking on excessive debt relative to their income.

While this change is a positive step for long-term financial stability, it means planning your borrowing strategy is more crucial than ever. If you're looking to purchase, especially as an investor, we need to carefully assess your current debt levels and income potential to ensure a seamless application process.

The good news? Loans for new construction and bridging loans are excluded from the cap, so those paths remain open.

Our commitment to you remains the same: to help you navigate these changes and find the most sustainable loan solution.

📞 Let's chat! Contact me today to review your current or future borrowing capacity and secure your finance strategy under these new rules.

Mark Blackwood - Mortgage Broker

26/11/2025

If you're paying more tax than you want to, have you investigated your options? Highly taxed individuals are given the opportunity to 'invest' their taxes into various avenues and property is one of them. Brisbane provides great opportunities for beginners to experts. Use your taxes to your own advantage today and
ask us about how easy it is to use your taxes to get miles ahead.

18/11/2025

Dropping this here as an internal memo🫣

15/11/2025

Anyone can do it. Start building today.

15/11/2025

Dropped in to try the pizza at Florentia....totally recommend the best pizza I have had in a long time. Love supporting a new local business👌

14/11/2025

Extremely accurate and to the point. Also need to ensure you have the right advice for the best income producing asset for your individual circumstances

📌